Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Aug 12, 2021

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Key takeaways...

  • Many animals can damage your car, this includes rodents that may use your car to escape the elements
  • The destructive nature of rodents means they can damage your car quickly and without you noticing
  • Different components on your car may be damaged by rodents, including the wiring or the interior fabric
  • If you carry comprehensive coverage on your policy then your auto insurance may help you recover from the loss
  • Your provider is not obligated to cover a loss if you do not carry the coverage

Rodents can damage your car when you don’t expect it since their small size and agility makes sneaking into your car’s electrical components easy.

This risk of damage means you should make sure your policy carries protection for animal-related damages before a loss occurs; these events are often unforeseen and are hard to mitigate.

Carrying comprehensive coverage on your policy can protect you and your car from rodent-related damages.

Compare car insurance quotes today and find the best company to meet your specific needs.

Rodent Damage and Your Auto Insurance


When your car is damaged by rodents, the damage can be minimal, or it can be devastating. Regardless of the damage, your auto insurance may help you recover.

Rodents can cause damage inside your car by chewing through the following:

  • floor mats
  • seats
  • any other fabric
  • electrical components

The amount of damage caused depends on how many rodents are involved in the process.

When rodents start chewing through your electrical wiring, you may find different components of your car will stop working properly. This damage can be simple, like problems with your radio or stereo system, or major like problems with headlights not functioning.

The place you store your car or the environment where your car is parked around can be a big factor as rodents may want to nest inside your car to escape the elements.

Your auto insurance can protect you from these types of losses, as well as other specific events if you carry comprehensive coverage.

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Recovering from Rodent Damage through Your Policy

Auto insurance policies are designed to help you recover from losses above and beyond the norm. Wear and tear and maintenance-related damage to your car are not covered by your policy.

To protect against rodent damage, carrying comprehensive coverage on your policy is necessary.

Comprehensive coverage is a physical damage coverage that helps you recover from losses that damage your vehicle. Comprehensive coverage is different from liability coverage which protects other drivers on the road.

Comprehensive coverage also normally carries a deductible, which is a portion of any covered loss that you’re responsible for covering.

This amount is usually a set dollar amount or a percentage of the loss that can be deducted from any covered claim. The deductible helps reduce the financial burden on your insurance provider.

Important Things to Remember about Insurance


When it comes time to file a claim for rodent damage, make sure your loss exceeds the deductible amount. When you file a claim for a loss that is lower than your deductible amount, your insurance provider is not required to cover any portion of the loss.

If your loss is only a small amount over the deductible, it may be worthwhile to resolve the damage yourself.

When you file a claim, it can contribute to your claim history which can be a factor on your insurance policy and premium costs.

The more claims you file, the higher potential for the loss your insurance provider anticipates you’ll introduce. High-risk drivers often cost more to cover.

If you’re filing a claim for rodent damage, you may find that the premium increase and potential non-renewal are not worth the small amount of coverage for the loss.

It’s important to talk to your insurance carrier about your coverage before the loss occurs so you can verify what coverage options you carry.

Your provider can help you assess your policy coverage, which includes the coverage options you’ve selected, to help you understand your policy.

There may be policy conditions and exclusions that you need to be aware of since these can affect the situations and limits of your policy coverage.



Protecting your car from rodent damage can be tougher than you anticipate, so carrying proper auto insurance is essential.

Unexpected losses, like a rodent chewing through your car’s electrical wiring, can often strike at an inconvenient time and having coverage for the loss can help you get back to normal as quickly as possible.

Comprehensive coverage traditionally protects against losses related to animal damages, such as rodent-caused damages.

Be sure to check your policy for coverage options that protect against rodent damage, since your provider will only cover your claim if you carry the coverage before the damage occurs.

Make sure there aren’t policy exclusions for damage caused by rodents or other small animals.

Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?”

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!

When you’re searching for insurance coverage, be sure to consider quotes from multiple providers before deciding on your auto insurance. Use our free rate comparison tool to compare right now.

Different providers offer coverage at different rates and with different coverage limits, so you may find one provider offers better options than another. Make sure your decision is not based on price alone since lower prices do not always mean the best coverage.